WO2018142590A1 - Dispositif de collationnement, procédé de collationnement et support d'enregistrement d'informations non transitoire lisible par ordinateur - Google Patents

Dispositif de collationnement, procédé de collationnement et support d'enregistrement d'informations non transitoire lisible par ordinateur Download PDF

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Publication number
WO2018142590A1
WO2018142590A1 PCT/JP2017/004059 JP2017004059W WO2018142590A1 WO 2018142590 A1 WO2018142590 A1 WO 2018142590A1 JP 2017004059 W JP2017004059 W JP 2017004059W WO 2018142590 A1 WO2018142590 A1 WO 2018142590A1
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WIPO (PCT)
Prior art keywords
remittance
application information
name
information
history
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PCT/JP2017/004059
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English (en)
Japanese (ja)
Inventor
茂 神田
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楽天株式会社
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Publication date
Application filed by 楽天株式会社 filed Critical 楽天株式会社
Priority to PCT/JP2017/004059 priority Critical patent/WO2018142590A1/fr
Priority to JP2017529848A priority patent/JP6166010B1/ja
Publication of WO2018142590A1 publication Critical patent/WO2018142590A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Definitions

  • the present invention relates to a collation device, a collation method, a program, and a non-transitory computer-readable information recording medium.
  • a store that sells merchandise collates which accounts receivable correspond to which receipts, and manages the accounts receivable and receipts.
  • the applicant who applied for the product purchase pays for the product by remittance through the bank
  • the application It takes time to verify the remittance and remittance.
  • the name of the recipient account and the account number entered by the requester, that is, the sender can be confirmed. It is difficult to confirm whether or not is correct.
  • the present invention is for solving the above-described problem, and a collation device, a collation method, and a program capable of easily obtaining information for associating an application for merchandise purchase with remittance related to the merchandise Also, an object is to provide a non-transitory computer-readable information recording medium.
  • a collation device is: When the remittance is accepted, a search unit that searches for application information that matches the date, the name of the remittance, and the amount related to the remittance from a database that stores application information for purchasing the product, If the matching application information is found, the matching application information and the remittance are linked, If the matching application information is not found, Search the database for application information that has not yet been linked to any remittance, If the unlinked application information is found, the history of messages sent and received by the applicant related to the unlinked application information is acquired from the unlinked application information, Calculating the degree of similarity between the history of the acquired message and the character string representing each of the date related to the remittance, the name of the sender, and the amount of money, As a candidate for application information to be associated with the remittance, a collation unit that presents application information related to a history of messages in which the calculated similarity is higher than a predetermined threshold, It is
  • a message in which part of the date, the name of the sender, and the amount related to the remittance is hidden is sent to the applicant related to the selected application information.
  • An inquiry section that communicates and inquires whether the remittance is by the applicant.
  • a registration unit that registers the remitter name related to the remittance in association with the applicant as an alternative name of the applicant, Further comprising
  • the search unit may search for the matching application information from the database with reference to the registered alternative name.
  • the collation unit Dividing the sender name related to the remittance into a plurality of character units, Count the number of times that the fragment of the sender name related to the divided remittance appears in the history of the acquired message, Based on the counted number of times, the similarity between the acquired message history and a character string representing the name of the sender related to the remittance may be calculated.
  • the collation unit From the acquired message history, obtain a character string that matches a predetermined amount pattern, You may calculate the similarity of the acquired character string and the character string showing the money amount which concerns on the said remittance.
  • the collation unit based on the proximity of the edit distance between the acquired character string and a character string representing the amount related to the remittance, the acquired character string and a character string representing the amount related to the remittance The similarity may be calculated.
  • the collation unit From the acquired message history, obtain a character string that matches a predetermined date pattern, Based on the closeness of the interval between the date represented by the acquired character string and the date related to the remittance, the similarity between the history of the acquired message and the character string representing the date related to the remittance May be calculated.
  • the collation unit may further calculate a similarity between the acquired message history and a character string representing each of a bank name and a branch name of the remittance source of the remittance.
  • the matching method is: When the collation device accepts the remittance, a search step for retrieving application information that matches the date, the name of the remittance, and the amount related to the remittance from the database storing the application information for purchasing the product,
  • the verification device is If the matching application information is found, the matching application information and the remittance are linked, If the matching application information is not found, Search the database for application information that has not yet been linked to any remittance, If the unlinked application information is found, the history of messages sent and received by the applicant related to the unlinked application information is acquired from the unlinked application information, Calculating the degree of similarity between the history of the acquired message and the character string representing each of the date related to the remittance, the name of the sender, and the amount of money,
  • the program according to the third aspect of the present invention is: Computer When the remittance is accepted, a search unit that searches for application information that matches the date, the name of the remittance, and the amount related to the remittance from a database that stores application information for purchasing the product, If the matching application information is found, the matching application information and the remittance are linked, If the matching application information is not found, Search the database for application information that has not yet been linked to any remittance, If the unlinked application information is found, the history of messages sent and received by the applicant related to the unlinked application information is acquired from the unlinked application information, Calculating the degree of similarity between the history of the acquired message and the character string representing each of the date related to the remittance, the name of the sender, and the amount of money, As a candidate for application information to be associated with the remittance, a collation unit that presents application information related to a history of messages in which the calculated similarity is higher than a predetermined threshold, It is
  • a non-transitory computer-readable information recording medium is provided.
  • a search unit that searches for application information that matches the date, the name of the remittance, and the amount related to the remittance from a database that stores application information for purchasing the product, If the matching application information is found, the matching application information and the remittance are linked, If the matching application information is not found, Search the database for application information that has not yet been linked to any remittance, If the unlinked application information is found, the history of messages sent and received by the applicant related to the unlinked application information is acquired from the unlinked application information, Calculating the degree of similarity between the history of the acquired message and the character string representing each of the date related to the remittance, the name of the sender, and the amount of money, As a candidate for application information to be associated with the remittance, a collation unit that presents application information related to a history of messages in which the calculated similarity is
  • the above information recording medium can be distributed and sold independently of the computer.
  • the non-transitory information recording medium refers to a tangible information recording medium.
  • Non-temporary information recording media are, for example, compact disks, flexible disks, hard disks, magnetic disks, digital video disks, magnetic tapes, and semiconductor memories.
  • the transitory information recording medium refers to the transmission medium (propagation signal) itself.
  • the temporary recording medium is, for example, an electric signal, an optical signal, or an electromagnetic wave.
  • the temporary storage area is an area for temporarily storing data and programs, and is a volatile memory such as RAM (Random Access Memory), for example.
  • FIG. 6 is a flowchart showing a flow of collation processing executed by the collation apparatus according to the first embodiment.
  • FIG. 10 is a flowchart showing a flow of a collation process executed by the collation device according to the second embodiment.
  • FIG. 1 shows a configuration of a verification system 1 according to Embodiment 1 of the present invention.
  • the verification system 1 is a system for verifying application for product purchase and remittance of payment related to a product in a market (electronic market) in which product transactions are performed between the seller and the purchaser via the Internet 2.
  • the collation system 1 includes a management server 100, a seller terminal 200, an applicant terminal 300, a bank server 400, and a collation device 500, each communicating via the Internet 2. Connected as possible.
  • the management server 100 is a server operated by an operator operating the electronic market. Specifically, the management server 100 manages functions of the electronic market including registration, browsing, and sales of products sold in the electronic market.
  • Seller terminal 200 is a computer operated by a seller who sells products in the electronic market.
  • Seller terminal 200 accepts input of information (for example, product name, product price, product image) related to the product sold by the seller. Then, the seller terminal 200 transmits the received information to the management server 100 and registers it in the electronic market.
  • information for example, product name, product price, product image
  • the applicant terminal 300 is a computer operated by an applicant who applies for purchase of a product sold in the electronic market.
  • the applicant terminal 300 receives an operation input representing an application for product purchase from the applicant, the applicant terminal 300 transmits application information related to the application for product purchase to the management server 100.
  • the application information includes, for example, data representing a date, an applicant name, and an amount related to an application for product purchase.
  • the bank server 400 is a server operated by a bank that accepts remittances from applicants.
  • bank server 400 transmits remittance information relating to the remittance to verification device 500.
  • the remittance information includes, for example, data representing the date related to remittance, the name of the remittance, and the amount.
  • the bank server 400 manages the account for remittance for every seller. Then, for example, the bank server 400 transmits remittance information related to remittance to the account designated by the applicant to the verification device 500.
  • the collation device 500 collates the application for product purchase accepted by the management server 100 and the remittance accepted by the bank server 400.
  • the collation apparatus 500 presents application information candidates related to the application that matches the remittance.
  • FIG. 2 is a schematic block diagram showing the hardware configuration of the collation device 500.
  • the verification apparatus 500 includes a control unit 501, a ROM (Read Only Memory) 502, a RAM 503, a display unit 504, a communication unit 505, an operation unit 506, and a storage unit 507. Each unit is connected by a bus 508.
  • the control unit 501 is composed of, for example, a CPU (Central Processing Unit) and controls the entire verification device 500.
  • a CPU Central Processing Unit
  • the ROM 502 is a non-volatile memory that stores programs and various data for the control unit 501 to control the entire verification device 500.
  • the RAM 503 is a volatile memory for temporarily storing information generated by the control unit 501 and data necessary for generating the information.
  • the display unit 504 includes a display device including an LCD (Liquid Crystal Display) and a backlight.
  • the display unit 504 displays, for example, data output from the control unit 501 under the control of the control unit 501.
  • the communication unit 505 includes a communication interface for connecting the verification device 500 to the Internet 2.
  • the operation unit 506 includes input devices such as buttons, a keyboard, and a touch panel.
  • the operation unit 506 receives an operation input from the user of the collation device 500 and outputs a signal corresponding to the received operation input to the control unit 501.
  • the storage unit 507 is configured by a hard disk, a flash memory, or the like, and stores data to be processed by the verification device 500.
  • the storage unit 507 may be configured to include a device that reads data from a non-transitory computer-readable information recording medium such as a CD (Compact Disc).
  • FIG. 3 is a schematic block diagram showing a functional configuration of the collation device 500.
  • the collation apparatus 500 functions as a reception unit 511, a remittance information DB (database) 512, an application information DB 513, a search unit 514, and a collation unit 515.
  • the accepting unit 511 accepts remittance information from the bank server 400. For example, when the bank server 400 accepts remittance from the sender to the seller's account, the remittance information related to the accepted remittance is transmitted to the verification device 500. Then, the reception unit 511 receives the remittance information of the seller from the bank server 400.
  • the collation apparatus 500 assigns a remittance ID for identifying remittance to the received remittance information and records it in the remittance information DB 512.
  • control unit 501 and the communication unit 505 cooperate to function as the reception unit 511.
  • the remittance information DB 512 is a database that stores remittance information.
  • FIG. 4 shows an example of data stored in the remittance information DB 512.
  • the remittance information DB 512 stores a remittance ID, a remittance date, a remittance name, and a remittance amount for each remittance information.
  • the remittance ID is information for identifying remittance information.
  • the remittance date is the date when the bank server 400 accepted the remittance.
  • the name of the sender is the name of the sender.
  • the amount transferred is the amount sent by the sender. 4 shows a list of remittance information for one seller, the remittance information DB 512 stores a list of remittance information as shown in FIG. 4 for each seller.
  • the storage unit 507 functions as the remittance information DB 512.
  • the application information DB 513 is a database that stores product purchase application information.
  • FIG. 5 shows an example of data stored in the application information DB 513.
  • the application information DB 513 stores an application ID, an application date, an applicant name, a user ID, an application amount, and association information for each application information.
  • the application ID is information for identifying an application for product purchase.
  • the application date is the date when the application for product purchase is accepted.
  • the name of the applicant is the name of the applicant who applied for the product purchase.
  • the user ID is information for identifying the applicant in the electronic market.
  • the application amount is an amount that the applicant should pay.
  • the association information is data representing remittance information associated with the application information.
  • the remittance ID of the associated remittance information is stored in the association information of the application information. Further, “None” is stored in the association information of the application information that is not yet associated with any remittance information.
  • the application ID, application date, applicant name, user ID, and application amount stored in the application information DB 513 are acquired from the management server 100. 5 shows a list of application information for one seller, the application information DB 513 stores a list of application information as shown in FIG. 5 for each seller.
  • the storage unit 507 functions as the application information DB 513.
  • the search unit 514 Upon receiving the remittance, the search unit 514 searches the application information DB 513 for application information that matches the date, the name of the sender, and the amount related to the remittance.
  • the search unit 514 retrieves application information including the date of remittance, the name of the remittance included in the remittance information accepted by the accepting unit 511, and the application date, the name of the applicant, and the amount of application that match the amount of remittance. Search from the application information DB 513. Note that the date of remittance, the name of the remittance, and the amount of remittance match the application date, the name of the applicant, and the amount of application, not only when they completely match each other, but also within a predetermined tolerance range. May be included.
  • the search unit 514 sends the remittance date “2016/03/20” included in the remittance information, and the sender name “Suzuki”.
  • the application information DB 513 is searched for application information including the application date, the applicant name, and the application amount that match “ICHIRO” and the remittance amount “19800 yen”. Then, the search unit 514 identifies the application information with the application ID “B001” from the application information DB 513 shown in FIG. 5 as application information that matches the accepted remittance information.
  • control unit 501 functions as the search unit 514.
  • the collation unit 515 associates the application information and the remittance information when application information matching the accepted remittance information is found as a result of the search by the search unit 514.
  • the search unit 514 has found application information with the application ID “B001” as application information that matches the remittance information with the remittance ID “A001” received by the receiving unit 511 from the application information DB 513 shown in FIG.
  • the collation unit 515 stores the remittance ID “A001” of remittance information associated with the association information corresponding to the application ID “B001” of the application information DB 513.
  • the collation unit 515 searches the application information DB 513 for application information that is not yet associated with any remittance if no application information that matches the accepted remittance information is found. To do.
  • the search unit 514 has not found application information that matches the remittance information with the remittance ID “A002” accepted by the accepting unit 511 from the application information DB 513 shown in FIG.
  • the collation unit 515 identifies, from the application information DB 513, application information with application IDs “B002” and “B003” whose association information is “None” as application information that is not yet associated with any remittance.
  • the search unit 514 may present an error message when it does not find application information that is not yet associated with any remittance.
  • the collation part 515 will acquire the log
  • the collation unit 515 acquires a history of messages transmitted and received between the applicant terminal 300 and the management server 100. For example, when receiving an application for purchasing a product from the applicant terminal 300, the management server 100 transmits an e-mail including a message for confirming the content of the application to the applicant terminal 300. Then, the collation unit 515 sends a message included in the e-mail transmitted from the management server 100 to the applicant terminal 300 of the applicant related to the application information for each of the application information that is not associated with the management server. It is acquired from the e-mail transmission history held by 100.
  • FIG. 6 shows an example of the history of messages acquired by the matching unit 515.
  • a message history 600 shown in FIG. 6 is a message history for confirming the contents of the application included in the e-mail transmitted from the management server 100 to the applicant terminal 300.
  • the message history 600 includes information related to the contents of the application, specifically, application date and time, applicant name, product destination, product name, product price, tax amount, shipping fee, and the amount discounted by using the coupon (coupon Use) and the amount (total amount) that the applicant should pay.
  • the matching unit 515 may acquire a history of messages transmitted and received between the applicant terminal 300 and the seller terminal 200. For example, when the seller terminal 200 receives a notification from the management server 100 indicating that an application for product purchase has been received, the seller terminal 200 includes an e-mail including a message indicating that the application has been received by the applicant terminal 300 that is the transmission source of the application. Send. By sending such an e-mail using, for example, a mail server accessible by the collation device 500 or the management server 100, the collation device 500 sends an e-mail from the seller terminal 200 to the applicant terminal 300. Can be acquired from the mail server directly or via the management server 100.
  • the collation unit 515 calculates the degree of similarity between the acquired message history and the character string representing each of the date, the name of the sender, and the amount related to the accepted remittance.
  • the matching unit 515 acquires a character string that matches a predetermined date pattern from the acquired message history. Then, the matching unit 515 calculates the date similarity based on the closeness (smallness) of the interval between the date represented by the acquired character string and the remittance date included in the accepted remittance information. Specifically, the collation unit 515 calculates the date similarity so that the date represented by the acquired character string is higher as it is closer to the remittance date.
  • the predetermined date pattern is, for example, a character string including a number representing the year, month, day, “yyyy / mm / dd”, “yyyy-mm-dd”, “yyyy mm mm dd day” (where yyy is the year , Mm is the month, and dd is the number representing the day).
  • the receiving unit 511 receives the remittance information of the remittance ID “A002” shown in FIG. 4, and the collation unit 515 relates to the application information of the application ID “B002” whose association information is “None” shown in FIG.
  • a message history 600 as shown in FIG. 6 is acquired as a history of messages sent to and received from the applicant “Yamada Hanako”.
  • the collation unit 515 identifies “2016/03/21” as a character string that matches the date pattern “yyyy / mm / dd” from the acquired message history 600.
  • the collation unit 515 is an interval between the remittance date “2016/03/24” included in the remittance information of the remittance ID “A002” and the date represented by the identified character string “2016/03/21”.
  • the collation unit 515 divides the name of the sender included in the accepted remittance information into a plurality of characters (for example, 2 to 3 characters) instead of words or characters. For example, the collation unit 515 acquires a total of two characters, ie, the first and second characters from the beginning of the sender name as fragments. Next, the collation unit 515 acquires a total of two characters including the second character and the third character from the beginning of the sender name as the next fragment.
  • the collation unit 515 acquires fragments in units of two characters while shifting one character at a time from the beginning of the sender name. Then, the collation unit 515 calculates the name similarity based on the number of times each divided fragment appears in the message history. Specifically, the collation unit 515 calculates a higher name similarity as the number of appearances increases.
  • the collation unit 515 may resemble “Yama”, “Mada”, “Data”, “Taro”, and “Low”. Get a fragment of the sender name.
  • the matching unit 515 then counts the number of times each fragment appears in the message history 600 shown in FIG. Specifically, the matching unit 515 performs “3”, “3”, “0”, “0”, and “0” for “Yama”, “Mada”, “Data”, “Taro”, and “Low”, respectively. Get the number of occurrences of “0” times.
  • the collation part 515 calculates a name similarity from the acquired appearance frequency.
  • the matching unit 515 may calculate the average value of the number of appearances of each fragment as the name similarity SN .
  • the number of occurrences of the fragments “Yama”, “Mada”, “Data”, “Taro”, and “Low” are “3”, “3”, “0”, “0”, and “0”, respectively.
  • the collation unit 515 acquires a character string that matches a predetermined amount pattern from the acquired message history. Then, collation unit 515 calculates the similarity between the acquired character string and the remittance included in the accepted remittance information as the amount of similarity. For example, the collation unit 515 calculates a higher amount of money similarity as the difference between the amount represented by the acquired character string and the amount transferred is smaller.
  • the predetermined amount pattern is, for example, a numeric string that is separated from the lower digits by a maximum of 3 digits with commas, and “xx, xxx, xxx” or “x, xxx” (where “x” is a natural number from 1 to 9) And the number of digits is arbitrary).
  • the predetermined amount pattern may be a character string in which characters representing amounts such as “yen” and “ ⁇ ” appear before and after the number string.
  • An example of such a predetermined amount pattern is a character string represented in a format such as “xxxx yen” or “ ⁇ xxxx”.
  • the collation unit 515 uses “19908 yen”, “1592 yen”, “0 yen”, “5640 yen” as character strings that match a predetermined amount pattern “xxxx yen”. ”And“ 15860 yen ”. Then, when the remittance included in the accepted remittance information is “15860 yen”, the matching unit 515 determines the difference between the remittance “15860 yen” and the character string “15860 yen” closest to the remittance amount. And calculated as a monetary similarity.
  • the remittance amount is M yen
  • the absolute value of the difference is m yen
  • the amount similarity S M 10 between the remittance amount “15860 yen” and the closest character string “15860 yen”.
  • the matching unit 515 may calculate the amount similarity based on the closeness of the edit distance (for example, the Levenstein distance) between the character string that matches the predetermined amount pattern and the character string that represents the remittance amount.
  • the edit distance is a kind of distance indicating how different two character strings are. Specifically, the number of edits (insertion, deletion, and replacement) between two character strings is the shortest. ).
  • the matching unit 515 calculates the amount similarity so that the closer the edit distance between the character string that matches the predetermined amount pattern and the character string that represents the remittance amount, the higher the edit distance.
  • the collation unit 515 calculates the name similarity based on the closeness of the edit distance between the character string representing the applicant name and the character string representing the sender's name, in the same manner as the calculation method of the amount similarity. It may be calculated.
  • each similarity can be calculated by an arbitrary method.
  • the similarity may be calculated by weighting. For example, there is a general tendency for mistakes in the amount of money sent by a remittance to be made by mistakes in the number of digits or numbers with similar shapes such as “8” and “3”.
  • the collation unit 515 determines that the difference between the character string that matches the predetermined amount pattern and the character string that represents the amount to be transmitted is a difference in the number of digits or a number that has a similar shape. You may weight so that a similarity degree may become high.
  • the collation unit 515 presents application information related to a history of messages whose calculated similarity is higher than a predetermined threshold as candidates for application information to be associated with the accepted remittance.
  • the matching unit 515 For example, for each piece of application information that is determined not to be associated, the matching unit 515 has a predetermined sum of date similarity, name similarity, and amount similarity calculated for the history of messages related to the application information. It is determined whether it is higher than the threshold value. Then, the collation unit 515 presents the application information related to the history of the message whose sum of similarities is higher than a predetermined threshold to the seller terminal 200 of the seller related to the accepted remittance information. When there are a plurality of pieces of application information related to a history of messages higher than the predetermined threshold, the collation unit 515 may present the plurality of pieces of application information in order of similarity.
  • FIG. 7 shows a display example of candidates for application information presented to the seller terminal 200 by the matching unit 515.
  • the screen 210 of the seller terminal 200 shown in FIG. 7 includes the accepted remittance information 211, a message 212 prompting the seller to select application information to be associated with the remittance information, and the calculated similarity Includes a list 213 in which application information relating to a history of messages having a value higher than a predetermined threshold is arranged in descending order of similarity, and a determination button 214.
  • the seller terminal 200 requests the linked remittance information to the selected application information. Is transmitted to the verification device 500.
  • the verification unit 515 accepts the request, it stores the remittance ID of the accepted remittance information in the association information corresponding to the selected application information in the application information DB 513.
  • control unit 501 and the communication unit 505 cooperate to function as the matching unit 515.
  • FIG. 8 is a flowchart showing the flow of collation processing executed by collation apparatus 500.
  • the collation process shown in FIG. 8 is started by executing a program on the hardware of the collation apparatus 500, and the collation apparatus 500 is realized by this process. This process is started when a request for starting this process is received from the seller terminal 200 via the communication unit 505, for example.
  • the accepting unit 511 acquires remittance information of the seller of the seller terminal 200 that transmitted the request from the bank server 400 via the communication unit 505 (step S101).
  • the search unit 514 searches the application information DB 513 and determines whether there is application information that matches the remittance information acquired in step S101 (step S102).
  • the collation unit 515 acquires the linking information corresponding to the matching application information in the application information DB 513 in step S101.
  • the remittance ID of the remittance information is stored (step S103). And this collation process is complete
  • the collation unit 515 searches the application information DB 513 to determine whether there is application information whose corresponding linking information is “None”. Is determined (step S104). If there is no application information whose corresponding linking information is “None” (step S104; No), the collation process ends.
  • the collation unit 515 acquires a history of messages sent to and received from the applicant related to the application information (step S104). S105). In addition, when there is a plurality of pieces of application information whose corresponding linking information is “None”, the collating unit 515 acquires a history of messages transmitted / received to / from the applicant related to the application information for each application information. .
  • the matching unit 515 calculates the similarity between the message history acquired in step S105 and the character string representing each of the date of remittance, the name of the sender, and the amount of money included in the remittance information acquired in step S101. (Step S106).
  • the collation unit 515 applies the application information related to the history of messages whose similarity calculated in step S106 is higher than a predetermined threshold to the seller terminal 200. (Step S107). And this collation process is complete
  • the collation apparatus 500 calculates the similarity between the history of the message sent and received by the applicant and the remittance information, and thus candidates for the application information to be associated with the remittance. Is specified and presented to the seller terminal 200. Accordingly, the seller can easily associate the application that has not been verified with the remittance based on the presented candidate application information.
  • the collation apparatus 500 calculates the similarity between the history of messages sent and received by the applicant and the name and amount of money sent by the sender. As a result, the seller can find an incorrect input of the name of the remittance or the amount of remittance based on the calculated similarity. For example, if a remittance person mistakenly remits an amount before tax, an amount before discount by a coupon, or an amount not including a shipping fee, the seller can find such an erroneous remittance.
  • Embodiment 2 demonstrated the example which shows the candidate of the application information which should be tied with the remittance accepted by the seller.
  • the verification apparatus 500 according to the second embodiment will be described in detail.
  • FIG. 9 is a schematic block diagram illustrating a functional configuration of the verification apparatus 500 according to the second embodiment.
  • the collation device 500 further functions as an inquiry unit 516, a user information DB 517, and a registration unit 518 compared to the first embodiment.
  • the inquiry unit 516 selects a date related to the accepted remittance, the name of the remittance, and a message in which part of the amount is hidden. To the applicant concerning the submitted application information, and inquires whether the remittance is by the applicant.
  • the inquiry unit 516 displays the information on the application terminal 300 used by the applicant “Yamada Hanako” related to the application information. Then, an inquiry message in which a part of the remittance information of the remittance ID “A002” is hidden is transmitted.
  • FIG. 10 shows an example of the inquiry message.
  • the inquiry message 700 shown in FIG. 10 includes an applicant name 701 that is a destination, selected application information 702, remittance information 703 related to the inquiry, text 704 for confirming whether the remittance is by the applicant, an inquiry Answer buttons 705 and 706 for answering "Yes" or "No".
  • the remittance information 703 included in the inquiry message 700 some characters of the name of the remittance are hidden using the symbol “*”. In this way, by making a part of the name of the remittance face up, when the remittance is not by the applicant related to the selected application information, the privacy information of the remittance can be protected.
  • control unit 501 and the communication unit 505 cooperate to function as the inquiry unit 516.
  • the user information DB 517 is a database of information related to users who use the electronic market.
  • FIG. 11 shows an example of data stored in the user information DB 517.
  • the user information DB 517 stores user information including a user name, a user ID, and an alternative name for each user.
  • the alternative name is a name that may be used as the name of the sender when the user applies for the purchase of the product as an applicant.
  • an alternative name “None” indicates that the user does not have an alternative name.
  • the user name and user ID are acquired from the management server 100, for example, and stored in the user information DB 517. Further, the alternative name is stored in the user information DB 517 by the registration unit 518 as will be described later.
  • the storage unit 507 functions as the user information DB 517.
  • the registration unit 518 accepts the consent of the applicant that the accepted remittance is from the applicant related to the selected application information, the registrar who relates to the remittance as an alternative name of the applicant First name is registered with the applicant.
  • the inquiry unit 516 transmits an inquiry message 700 as shown in FIG. 10 to the applicant terminal 300 of the applicant “Yamada Hanako”, and selects the “Yes” answer button 705 from the applicant terminal 300.
  • the registration unit 518 stores, in the user information DB 517, the remitter name “Yamada Taro” included in the remittance information related to the inquiry as the alternative name in the user information corresponding to the applicant “Yamada Hanako”.
  • the search unit 514 refers to the user information DB 517 when searching the application information DB 513 for application information that matches the remittance information received by the reception unit 511, and applies for the application information stored in the application information DB 513. Replace the name with the corresponding alternative name and search further.
  • the search unit 514 when searching for application information that matches the remittance information from the application information DB 513 shown in FIG. 5, the search unit 514 refers to the user information DB 517 and identifies an applicant having an alternative name. Specifically, the search unit 514 specifies that the applicant “Yamada Hanako” having the user ID “hyam@yyy.com” has the alternative name “Yamada Taro”. Then, the search unit 514 determines whether each of the application information stored in the application information DB 513 matches the remittance information, and also applies for the applicant “Yamada Hanako” having the alternative name “Yamada Taro”. The applicant name “Yamada Hanako” is replaced with the alternative name “Yamada Taro”, and it is determined whether or not it matches the remittance information.
  • control unit 501 functions as the registration unit 518.
  • FIG. 12 is a flowchart showing the flow of collation processing executed by the collation apparatus 500 according to the second embodiment.
  • the collation process shown in FIG. 12 is started by executing a program on the hardware of the collation apparatus 500, and the collation apparatus 500 is realized by this process. This process is started when a request for starting this process is received from the seller terminal 200 via the communication unit 505, for example.
  • the reception unit 511 acquires the remittance information of the seller of the seller terminal 200 that transmitted the request from the bank server 400 via the communication unit 505 (step S201).
  • the search unit 514 searches the application information DB 513 and determines whether there is application information that matches the remittance information acquired in step S201 (step S202). At this time, the search unit 514 refers to the user information DB 517, and further searches by replacing the applicant name of the application information stored in the application information DB 513 with the corresponding alternative name.
  • step S202 When it is determined that there is matching application information (step S202; Yes), the search unit 514 executes step S203 in the same manner as step S103 of the collation process according to the first embodiment illustrated in FIG. And this collation process is complete
  • Step S202 finds no matching application information (Step S202; No)
  • Steps S204 to S207 are executed in the same manner as Steps S104 to S107 of the collation process according to the first embodiment shown in FIG.
  • the inquiry unit 516 receives selection of application information from the presented candidates from the seller terminal 200 (step S208).
  • the inquiry unit 516 transmits to the applicant related to the selected application information an inquiry message for inquiring whether the remittance related to the remittance information acquired in Step S201 is from the applicant (Step S209).
  • the registration unit 518 determines whether or not there is a “yes” answer to the inquiry message in step S209 (step S210). If there is no answer “Yes”, the process is terminated.
  • the registration unit 518 registers the name of the sender included in the remittance information acquired in step S201 in the user information DB 517 as an alternative name of the applicant (step S211). And this collation process is complete
  • the collation apparatus 500 sets the remitter name related to the remittance as the substitute name of the applicant. Register as Therefore, the collation device can retrieve application information accurately and efficiently in the subsequent remittance and application collation.
  • the remittance information may include the bank name and branch name of the remittance source.
  • the collation apparatus 500 may further calculate the similarity between the acquired message history and a character string representing each of the bank name and branch name of the remittance source.
  • the verification device 500 and the management server 100 are configured from different devices.
  • the verification device 500 may have the function of the management server 100.
  • the configuration for realizing the function according to the present invention be provided in advance as the verification device 500, but also by applying a program, an existing personal computer, information terminal device, or the like can be provided as the verification device 500 according to the present invention. It can also function. That is, the existing personal computer or information terminal device is configured so that the CPU for controlling the existing personal computer or information terminal device can execute the program for realizing each functional configuration by the matching device 500 exemplified in the above embodiment. By applying to the personal computer, the personal computer and the information terminal device can function as the verification device 500 according to the present invention.
  • the collation method according to the present invention can be implemented using the collation apparatus 500.
  • Such a program is not limited to the above, and can be applied by an arbitrary method.
  • the program can be stored and applied to a computer-readable recording medium [CD-ROM (Compact Disc Read-Only Memory), DVD (Digital Versatile Disc), MO (Magneto Optical Disc), etc.], the Internet, etc. It is also possible to apply the program by storing it in a storage on the network and downloading it.
  • a collation device for collating a product purchase application and remittance.

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Abstract

Selon la présente invention, lors de la réception d'un versement, une unité de recherche (514) recherche une base de données (DB) d'informations d'application (513), dans laquelle des informations d'application concernant un achat de produit sont stockées, pour des informations d'application, avec lesquelles des informations concernant les correspondances de versement correspondent. Lorsque les informations d'application correspondantes sont trouvées, une unité de collation (515) associe les informations d'application correspondantes au versement. Lorsque les informations d'application correspondantes ne sont pas trouvées, l'unité de collation (515) recherche la base de données d'informations d'application (513) pour des informations d'application qui n'ont pas été associées à aucun versement. Lorsque les informations d'application qui n'ont pas été associées sont trouvées, l'unité de collation (515) acquiert, à partir des informations d'application qui n'ont pas été associées, un historique de messages transmis depuis et reçus par un demandeur concernant les informations d'application qui n'ont pas été associées. L'unité de collation (515) calcule le degré de similarité entre l'historique acquis de messages et une chaîne de caractères représentant des informations sur un versement. L'unité de collation (515) présente des informations d'application relatives à un historique de messages, dont le degré de similarité calculé est supérieur à un seuil prédéterminé, en tant que candidat d'informations d'application à associer au versement.
PCT/JP2017/004059 2017-02-03 2017-02-03 Dispositif de collationnement, procédé de collationnement et support d'enregistrement d'informations non transitoire lisible par ordinateur WO2018142590A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/JP2017/004059 WO2018142590A1 (fr) 2017-02-03 2017-02-03 Dispositif de collationnement, procédé de collationnement et support d'enregistrement d'informations non transitoire lisible par ordinateur
JP2017529848A JP6166010B1 (ja) 2017-02-03 2017-02-03 照合装置、照合方法、プログラム、ならびに、非一時的なコンピュータ読取可能な情報記録媒体

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PCT/JP2017/004059 WO2018142590A1 (fr) 2017-02-03 2017-02-03 Dispositif de collationnement, procédé de collationnement et support d'enregistrement d'informations non transitoire lisible par ordinateur

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2003099622A (ja) * 2001-09-21 2003-04-04 Nomura Holding Inc 入金照合支援システム
JP2004178318A (ja) * 2002-11-27 2004-06-24 Progress Interactive Inc 電子商取引の収納代行管理システム
JP2014059667A (ja) * 2012-09-14 2014-04-03 Ricoh Co Ltd 消込処理のためのシステムおよびプログラム

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2003099622A (ja) * 2001-09-21 2003-04-04 Nomura Holding Inc 入金照合支援システム
JP2004178318A (ja) * 2002-11-27 2004-06-24 Progress Interactive Inc 電子商取引の収納代行管理システム
JP2014059667A (ja) * 2012-09-14 2014-04-03 Ricoh Co Ltd 消込処理のためのシステムおよびプログラム

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